CITIZENS PROPERTY INSURANCE ORPORATION OMEOWNERS

CITIZENS PROPERTY INSURANCE CORPORATION

902. WINDSTORM MITIGATION FEATURES

A. For policies that cover the peril of Windstorm or Hail, a premium credit may be available if one or more of the following loss mitigation features or construction techniques exists: a. Roof Covering; b. Roof Deck Attachment; c. Roof-Wall Connection; d. Opening Protection; e. Roof Shape; or f. Secondary Water Resistance The credit recognition and description of the loss mitigation features listed above are outlined in the Loss Mitigation Credits Table contained in Paragraph F. below. (Note: n/a to mobile home policies.)

B. Proof of Compliance

Citizens requires proof to substantiate the existence of loss mitigation features displayed in the Loss Mitigation Credit tables, except roof shape that is verifiable via a photograph.

Citizens ePAS system will default loss mitigation features displayed in the Loss Mitigation Credit tables to values that return the least amount of credit. Proof to substantiate the existence of loss mitigation features will be required when values other than the defaults are selected, except roof shape that is verifyable via a photograph.

Mitigation affidavits/forms are available on Citizens website to verify mitigation features and obtain additional premium credits.

The insured is responsible for the expense associated with the use of these forms or any other costs for substantiating the existence of the mitigation features.

Exceptions to use of forms listed above:

? Year built on or after January 1, 2002:

Structures built on or after January 1, 2002, are

eligible for the minimum FBC 2001 credit by

providing documentation that validates the year of

construction. Acceptable documents include:

certification of occupancy, copy of property

appraisal or any other document Citizens deems

acceptable.

Completion of mitigation

affidavits/forms are not required to receive the

minimum FBC 2001 credit. Additional credits

may be obtained by completing mitigation

verification affidavits/forms available on our

website.

HOMEOWNERS

? Year built 1996 or later (Dade and Broward

County ONLY): Structures built on or after

January 1, 1996, in Dade or Broward County are

eligible for Opening Protection Class C credit by

providing documentation that validates the year of

construction. Acceptable documents include

certification of occupancy, copy of property

appraisal or any other document Citizens deems

acceptable.

Completion of mitigation

affidavits/forms is not required to receive the

Class C credit. Additional mitigation credits may

be obtained by completing mitigation verification

affidavits/forms available on our website.

? Year built 2002 or later (Dade and Broward

County ONLY): Type II and Type III structures

built on or after January 1, 2002 in Dade or

Broward County are eligible for Opening

Protection Class A credit by providing

documentation that validates the year of

construction. Acceptable documents include

certification of occupancy, copy of property

appraisal or any other document Citizens deems

acceptable.

Completion of mitigation

affidavits/forms is not required to receive this

Class A credit.

C. Wind Design ? 1 to 4 Units built on or after January 1, 2002.

FBC 2001 establishes base (e.g. minimum) Wind Design Speeds (WDS) for each FBC Wind Speed zone. When WDS of the structure (e.g. 1-4 unit buildings built on or after January 1, 2002) exceeds the basic speed design of the wind speed zone, certification is required for premium credit.

Ed. 07/2008

HO-15

CITIZENS PROPERTY INSURANCE CORPORATION

NOTE: For year built on or after January 1, 2002, Dade and Broward counties do not require WDS certification as county WDS develops maximum WDS premium credit. (SWR and opening protection still requires an affidavit/form).

D. Residential Classification Definitions:

1. Terrain Exposure Category Definitions Apply Exposure Category (terrain) definitions from the Florida Building Code as follows: a. Exposure C (open terrain with scattered obstructions) applies to:

All locations in HVHZ (Miami-Dade and Broward Counties); including.

Barrier islands as defined per s. 161.55(5), Florida Statutes, as the land area from the seasonal high water line to a line 5,000 feet landward from the Coastal Construction Control line.

All other areas with 1,500 feet of the coastal construction control line, or within 1,500 feet of the mean high tide line, whichever is less.

b. Exposure B (urban, suburban, and wooded areas) practically applies to all other locations in Florida by virtue of the exposure definitions for other exposures.

2. Building Types (applies to 5+ units only) ? Type I ? Buildings that are 3 stories or less. ? Type II ? Buildings that are 4 to 6 stories. ? Type III ? Buildings that are 7 stories or more.

3. Roof Coverings

a. For 1 to 4 unit buildings and 5+ unit ? Type I buildings: FBC Equivalent ? roof coverings that meet the minimum requirements of the 2001 Florida Building Code or the 1994 South Florida Building Code.

Non-FBC Equivalent ? roof coverings that do not meet the FBC Equivalent definition requirements previously noted.

Reinforced Concrete Roof Deck - A roof structure composed of cast-in-place or precast structural concrete designed to be self-

HOMEOWNERS

supporting and integrally attached to wall/support system.

b. For 5+ unit ? Type II and Type III buildings: Level B (FBC Equivalent): To qualify as a Level B roof cover, the roof cover must be one of the following accepted roof cover types: a) Built-Up; b) Modified Bitumen; c) Sprayed Polyurethane foam; d) Liquid membrane applied over concrete; e) Asphalt roll roofing; f) Wood shakes in good condition, attached with at least two mechanical fasteners; g) Ballasted roof designed to meet the local wind speed requirements; or h) Asphalt roof coverings installed in accordance ASTM D 3161 (modified for 110 mph) or Miami Dade County PA 107-95.

And meet the following conditions: a) Any flat roof covering with flashing or

coping must be mechanically attached to the structure with face fasteners (no clip/cleat systems) b) Roof coverings on flat roofs must be 10 years old or less. c) All mechanical equipment must be adequately tied to the roof deck to resist overturning and sliding during high winds. Level A (Non FBC Equivalent): All roof cover types and configurations that do not meet Level B.

Predominant Roof Covering Rule

Roof covering should be determined by using the roof covering that comprises greater than 50% of the roof surface of the dwelling, excluding entrance ways, porches, and decorative nonstructural gables.

Ed 07/2008

HO-16

CITIZENS PROPERTY INSURANCE CORPORATION

4. Roof Shape ? Hip - roof having sloping ends and sloping sides down to the eaves line. ? Gable ? The portion of the roof above the eaves line of a double-sloped roof; the end section appears as an inverted V. ? Flat ? A horizontal roof with a pitch less than 10 degrees.

Predominant Roof Shape Rule The predominant roof shape should be determined based upon the type of roof structure that exceeds 50% of the roof surfaces subject to the following: A Hip roof must be comprised of no other roof shapes greater than 50% of any exterior wall length. Any exterior wall with a Gable end exceeding 50% of the exterior wall length shall be classified as Gable. 5. Roof Deck Attachments a. For 1 to 4 unit buildings and 5+ unit ? Type I

buildings: ? Attachment A ? Plywood/OSB roof sheathing

attached to roof trusses/rafters by 6 penny nails (2" x 0.131" diameter) or greater which are properly spaced at a maximum of 6" along the

Ed. 07/2008

HOMEOWNERS

edge and 12" in the field on 24" truss/rafter spacing.

OR Batten decking or Skipped decking (typically used on roof decks supporting wood shakes or wood shingles). OR Any system of screws, nails, adhesives, other roof deck fastening systems or truss/rafter spacing that has an equivalent mean uplift resistance of 55 pounds per square foot or more as evidenced by laboratory uplift tests on full size sheets of plywood/OSB.

? Attachment B ? Plywood/OSB roof sheathing with a minimum thickness of 1/2" attached to roof trusses/rafters by 8 penny (2.5" x 0.131" diameter) nails or greater which are properly spaced at a maximum of 6" along the edge and 12" in the field on 24" truss/rafter spacing OR Any system of screws, nails, adhesives, other roof deck fastening systems, or truss/rafter spacing that has an equivalent mean uplift resistance of 103 pounds per square foot or more as evidenced by laboratory uplift tests on full size sheets of plywood/OSB.

? Attachment C ? Plywood/OSB roof sheathing with a minimum thickness of 1/2" attached to roof trusses/rafters by 8d nails (2.5" x 0.131" diameter) which are properly spaced at a maximum of 6" along the edge and 6" in the field on 24" truss/rafter spacing OR Dimensional Lumber or Tongue & Groove deck roof composed of ?" thick boards with nominal widths of 4" or more. OR Any system of screws, nails, adhesives, other roof deck fastening systems, or truss/rafter spacing that has an equivalent mean uplift resistance of 182 pounds per square foot or more as evidenced by laboratory uplift tests on full size sheets of plywood/OSB.

b. For 5+ unit ? Type II and Type III buildings: ? Attachment A (Wood or Other) a. Roof deck composed of sheets of structural panels (plywood or OSB). b. Architectural (non-structural) metal panels that require a solid decking to support weight and loads.

HO-17

CITIZENS PROPERTY INSURANCE CORPORATION

c. Other roof decks that do not meet Attachment levels B or C.

? Attachment B (Metal Deck) a. Metal roof deck made of structural panels that span from joist to joist.

? Attachment C (Reinforced Concrete Roof Deck) a. A roof structure composed of cast-in-place or pre-cast structural concrete designed to be self-supporting and integrally attached to wall/support system.

Note: If roof deck type is unknown, deck should be classified as Attachment A.

6. Secondary Water Resistance

a. For 1 to 4 unit buildings and 5+ unit ? Type I buildings:

A self-adhering polymer modified bitumen roofing underlayment (thin rubber sheets with peel and stick underside located beneath the roof covering and normal felt underlayment) with a minimum width of 6" meeting the requirements of ASTM D 1970 installed over all plywood/OSB joints to protect from water intrusion. All secondary water resistance products must be installed per the manufacturer's recommendations. Roofing felt or similar paper based products are not acceptable for secondary water resistance.

OR A foamed polyurethane sheathing adhesive applied over all joints in the roof sheathing to protect interior from water intrusion.

b. For 5+ unit ? Type II and Type III buildings: ? For Wood Decks: A self-adhering polymer modified bitumen roofing underlayment (thin rubber sheets with peel and stick underside located beneath the roof covering and normal felt underlayment) with a minimum width of 6" meeting the requirements of ASTM D 1970 installed over all plywood/OSB joints to protect from water intrusion. All secondary water resistance products must be installed per the manufacturer's recommendations. Roofing felt or similar paper based products are not acceptable for secondary water resistance.

OR A foamed polyurethane sheathing adhesive applied over all joints in the roof sheathing to protect interior from water intrusion.

Ed. 07/2008

HOMEOWNERS

? For Metal Decks: Roofing tar is applied to all connections where mechanical fasteners penetrate the metal deck.

? For Reinforced Concrete Roof Deck Not applicable.

7. Roof-Wall Connection

? Toe-Nail ? Rafter/truss anchored to top plate of wall using nails driven at an angle through the rafter/truss and attached to the top plate of the wall.

? Clips ? Metal clips installed on each truss/rafter that attach to the side only of the truss/rafter member and to the wall frame. Metal clip should be free of severe corrosion, have a minimum of 3 nails into the truss/rafter and 3 nails into the wall.

? Single Wraps ? Metal straps installed on each truss/rafter that wrap over the top of the truss/rafter and attach to the wall frame in one location. Metal strap should be free of severe corrosion, have a minimum of 3 nails into the truss/rafter and 3 nails into the wall.

? Double Wraps ? Metal straps installed on each truss/rafter that wrap over the top of the truss/rafter and attach to the wall frame in two locations. Metal strap should be free of severe corrosion, have a minimum of 3 nails into the truss/rafter and 3 nails into the wall at each location.

8. Opening Protection ? Class A (Hurricane Impact) ? All exterior wall and roof openings in buildings (doors, windows, skylights and vents, other than roof ridge, gable, soffit and plumbing vents) must be fully protected with impact resistant coverings (e.g. shutters), impact resistant doors, and/or impact resistant glazing that meet the requirements of one of the

following:

a. SSTD12; b. ASTM E 1886 and ASTM E 1996(Missile

Level C ? 9 lb); c. Miami-Dade PA 201, 202, and 203; or d. Florida Building Code TAS 201, 202 and 203. ? Class B (Basic Impact) ? All exterior wall and roof openings in buildings (doors, windows, skylights and vents, other than roof ridge, gable, soffit and plumbing vents) must be fully protected with impact resistant coverings (e.g. shutters), impact resistant doors, and/or impact resistant glazing that meet the requirements of ASTM E 1886 and ASTM E 1996 (Missile Level B ? 4.5 lb).

HO-18

CITIZENS PROPERTY INSURANCE CORPORATION

? Class C (Ordinary Non-Impact) ? All glazed openings (windows, skylights, sliding glass doors, doors with windows, etc) must be protected with shutter devices or wood structural panels that have the following characteristics.

a. Corrugated storm panels made of Steel, Aluminum, or Polycarbonate in which individual panels are no wider than 14" and have a nominal profile of 2" or greater.

b. Roll-Up shutters with aluminum slats.

c. Accordion shutters with aluminum slats.

d. Colonial or Bahama shutters with the all the following features:

i. Heavy gauge metal frames

ii. Extruded aluminum slats, that are anchored to both sides of frame, or solid metal backing plate in place behind slats

iii. Structural hinges

iv. Mechanism to lock shutters closed during a storm

v. Wood Structural Panels ? (One or two story buildings) Plywood or OSB (oriented strand board) with a minimum thickness of 7/16 inches and maximum panel span of 8 feet. Panels must be precut to cover the glazed openings with attachment hardware provided. For locations with design wind speed greater than 130 mph, attachments shall be designed to resist component and cladding loads of the FBC. For locations where design wind speed is 130mph or less, panels must be fastened according to the Florida Building Code Table 1606.1.4 below.

Table 1: Fastening Schedule for Wood Structural Panels for Design Wind Speed of 130 mph or less on 1 and 2 Story Buildings

Fastener Type

2 ?" # 6 Wood Screws2

2 ?" # 8 Wood Screws2

DoubleHeaded Nails3

Panel Span 2 ft 16

16

12

Fastener Spacing (Inches)1 2 ft Panel 4 ft< Panel Span 4 ft Span 6 ft

16

12

6 ft < Panel span 8 ft

9

16

16

12

6

4

3

HOMEOWNERS

NOTES:

1. Fasteners shall be installed at opposing ends of panel.

2. Where screws are attached to masonry or masonry/stucco, they shall be attached using vibration-resistant anchors having minimum withdrawal capacity of 490lb.

3. Nails shall be 10d common or 12d box doubleheaded nails.

For locations with design wind speed greater than 130 mph, attachments shall be designed to resist component and cladding loads of the FBC.

Up to two small windows (each 4 square feet or less) may be protected with polycarbonate flat panels used as a cover.

? None ? All other cases, including unprotected glazed openings.

9. FBC Wind Speed Design wind speed (3 second gust) for site location as determined by the wind speed map in Figure 1606 of the Florida Building Code. Citizens ePAS develops the FBC Wind Speed of the location of structure. Maps of county wind speed zones are found at .

10. FBC Wind Design Wind speed (3 sec gust) for which the structure is designed to withstand according to the FBC 2001.

FBC 2001 establishes basic (e.g. minimum) Wind Design Speeds (WDS) for each FBC Wind Speed zone. When WDS of the structure (e.g. 1-4 unit buildings built on or after January 1, 2002) exceeds the basic speed design, certification is required for premium credit.

Note: Dade and Broward counties do not require certification as county WDS develops maximum WDS premium credit.

E. WMC Premium Credit Computation

1. Select the applicable Windstorm Loss Mitigation credit factor from the table.

Ed. 07/2008

HO-19

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download